Manasquan Bank

Wall Township, NJ · Cert 30470 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · MB Mutual Holding Co.

SI · FDIC · 15 branches

Q2 2026

$3.6BAssets

$3.0BLoans

$3.1BDeposits

$334.6MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 67% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 13 of 36).
Widest gap: tier 1 capital ratio trails 92% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 33 of 36).
Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.65%

Rank 26 of 36

Net Interest Margin

3.07%

Rank 20 of 36

Efficiency Ratio

59.82%

Rank 17 of 35

Equity / Assets

9.33%

Rank 30 of 36

Non-interest income vs. expense

Unfavorable gap of $61.7M · efficiency ratio beats 54% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.65%	0.65%	1.00%	1.72%	Beats 28%	26 / 36
Return on Equity	6.98%	5.35%	9.30%	13.56%	Beats 37%	22 / 35
Net Interest Margin	3.07%	2.66%	3.13%	3.63%	Beats 44%	20 / 36
Efficiency Ratio	59.82%	52.19%	63.09%	75.14%	Beats 54%	17 / 35
Asset Quality
Nonperforming Loans / Loans	0.64%	0.46%	0.84%	1.59%	Beats 67%	13 / 36
Net Charge-Offs / Loans	0.14%	n/a	0.03%	0.14%	Beats 25%	28 / 36
Capital
Tier 1 Capital Ratio	11.00%	13.13%	14.78%	18.34%	Beats 8%	33 / 36
Total Risk-Based Capital Ratio	11.94%	13.73%	15.96%	19.27%	Beats 11%	32 / 36
Equity / Assets	9.33%	9.80%	11.58%	14.82%	Beats 17%	30 / 36
Liquidity & Funding
Loans / Deposits	96.07%	81.12%	95.13%	103.24%	53rd pctl	17 / 36
Loans / Assets	83.49%	67.44%	76.31%	84.79%	64th pctl	13 / 36
Brokered Deposits / Deposits	n/a	Not reported for this institution